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Pay My Loan

An easy way to make your loan
payment online, at no extra charge.

Good citizens deserve a simple way to pay their loans
that won’t cost them extra. A good bank gets that.

Please note that effective August 7, 2013 Citizens Bank will no longer accept credit cards as a form of payment. Debit and ATM cards, as well as checking and savings accounts will continue to be accepted.


Pay My Loan is a fast and easy way to make a loan payment.

Whether you have a car, boat, recreational vehicle, home equity loan, or home equity line of credit from Citizens Bank, you can easily make an online loan payment.

Pay My Loan Online Now

Make a Loan Payment

Make a loan payment

Your payment will post to your account on the same business day if paid by
4 p.m. EST (Monday-Friday)

Using Pay My Loan is easy and there is no charge for
using the service.

When making your payment, please make sure you have the following:

  • Your most recent loan statement and/or account number.
  • The zip code on your account.
  • The last four digits of the social security number of the primary borrower on the loan.

Forms of payment:

To make a payment you simply need an active savings or checking account or an ATM/Debit card.

  • If using your savings or checking account, please have your routing and account numbers on hand.
  • If using your ATM/Debit card, it should feature a Pulse, Star, or NYCE Logo.
Make a Loan Payment

Other Forms of Payment

By Auto Debit

Set up a recurring payment and have your payments automatically deducted from your savings or checking account. Download an enrollment form and mail the completed form to:

Citizens Bank
Consumer Finance Department- RJW212
One Citizens Drive
Riverside, RI 02915

Or fax to 877-362-6343, Attn: Auto Debit Support Team
For further instructions and processing times, please refer to the enrollment form.

By Phone

Allow 1 business day for processing.
Choose from one of the following options:

  • Pay by Phone: 1-888-805-0200 (Please note that there is a $12.50 charge to use the automated payment service)
  • Citizens Bank Representative: 1-800-708-6682 (Please note that there is a $20.00 charge to make a payment with a representative)

By Mail

Allow 4 to 7 days for delivery and processing.
Mail your payments to the address that appears on your statement.

In Branch

Same day processing.
Simply stop by any Citizens Bank branch during normal business hours.

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Branch/ATM Locator

Over 1,300 branches close by.

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